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International Personal Finance PLC (GB:IPF)
LSE:IPF
RESEARCH TOOLSreports
Total Valuation
International Personal Finance has a market cap or net worth of £346.41M. The enterprise value is 681.93M.
Market Cap£346.41M
Enterprise Value681.93M
Share Statistics
International Personal Finance has 218,977,870 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding218,977,870
Owned by Insiders0.10%
Owned by Institutions―
Financial Efficiency
International Personal Finance’s return on equity (ROE) is 0.13 and return on invested capital (ROIC) is 15.48%.
Return on Equity (ROE)0.13
Return on Assets (ROA)0.05
Return on Invested Capital (ROIC)15.48%
Return on Capital Employed (ROCE)0.19
Revenue Per Employee78.54K
Profits Per Employee7.29K
Employee Count8,351
Asset Turnover0.57
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of International Personal Finance is 4.76. International Personal Finance’s PEG ratio is 0.08.
PE Ratio4.76
PS Ratio0.00
PB Ratio0.36
Price to Fair Value0.62
Price to FCF-6.58
Price to Operating Cash Flow-180.48
PEG Ratio0.08
Income Statement
In the last 12 months, International Personal Finance had revenue of 655.90M and earned 60.90M in profits. Earnings per share was 0.27.
Revenue655.90M
Gross Profit655.90M
Operating Income212.70M
Pretax Income73.30M
Net Income60.90M
EBITDA0.00
Earnings Per Share (EPS)0.27
Cash Flow
In the last 12 months, operating cash flow was 74.20M and capital expenditures -4.80M, giving a free cash flow of 69.40M billion.
Operating Cash Flow74.20M
Free Cash Flow69.40M
Free Cash Flow per Share0.32
Dividends & Yields
International Personal Finance pays an annual dividend of 11.399p, resulting in a dividend yield of 10.09%
Dividend Per Share11.399p
Dividend Yield10.09%
Payout Ratio26.23%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.62
52-Week Price Change39.05%
50-Day Moving Average146.99
200-Day Moving Average133.53
Relative Strength Index (RSI)59.38
Average Volume (3m)319.14K
Important Dates
International Personal Finance upcoming earnings date is Jul 30, 2025, TBA Not Confirmed.
Last Earnings DateFeb 26, 2025
Next Earnings DateJul 30, 2025
Ex-Dividend DateApr 10, 2025
Financial Position
International Personal Finance as a current ratio of 0.00, with Debt / Equity ratio of 128.08%
Current Ratio0.00
Quick Ratio0.00
Debt to Market Cap0.00
Net Debt to EBITDA0.00
Interest Coverage Ratio2.97
Taxes
In the past 12 months, International Personal Finance has paid 12.40M in taxes.
Income Tax12.40M
Effective Tax Rate0.17
Enterprise Valuation
International Personal Finance EV to EBITDA ratio is 0.00, with an EV/FCF ratio of 436.73.
EV to Sales0.40
EV to EBITDA0.00
EV to Free Cash Flow436.73
EV to Operating Cash Flow10.57
Balance Sheet
International Personal Finance has £86.50M in cash and marketable securities with £566.50M in debt, giving a net cash position of £480.00M billion.
Cash & Marketable Securities£86.50M
Total Debt£566.50M
Net Cash£480.00M
Net Cash Per Share£2.19
Tangible Book Value Per Share£1.82
Margins
Gross margin is 81.52%, with operating margin of 32.43%, and net profit margin of 9.28%.
Gross Margin81.52%
Operating Margin32.43%
Pretax Margin11.18%
Net Profit Margin9.28%
EBITDA Margin0.00%
EBIT Margin-4.47%
Analyst Forecast
The average price target for International Personal Finance is ―, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target―
Price Target Upside―
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast-5.41%
EPS Growth Forecast27.41%